Good morning,
I'm new and would really appreciate some swift help.
I have an overdraft with the Halifax that has defaulted 6 years ago and dropped off my credit file at the end of last year. Lowell have been chasing me for some time but it had recently slowed down if not stopped.
All of a sudden two weeks ago i received two letters. 1 being a statement and another saying it had been referred to BW Legal.
This morning I then received a CCJ application from Northampton Courts.
Can they do this after 6 years? The a/c is around 9 years old since I last used it.
What's the best course of action as I've just got my credit rating back on track and have plans for a mortgage later this year. I don't have the 2k to hand to pay it straight off.
I'm new and would really appreciate some swift help.
I have an overdraft with the Halifax that has defaulted 6 years ago and dropped off my credit file at the end of last year. Lowell have been chasing me for some time but it had recently slowed down if not stopped.
All of a sudden two weeks ago i received two letters. 1 being a statement and another saying it had been referred to BW Legal.
This morning I then received a CCJ application from Northampton Courts.
Can they do this after 6 years? The a/c is around 9 years old since I last used it.
What's the best course of action as I've just got my credit rating back on track and have plans for a mortgage later this year. I don't have the 2k to hand to pay it straight off.
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